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Complaint Against Bank for misleading and threatening

This is a discussion on Complaint Against Bank for misleading and threatening within the Loan forums, part of the Financial Services category; Hi, Myself Mr Bhavnajbhi Muljibhai Patel resident of B-12, Akhand Dhara Avenue, Nr. Sama Village, Poonam Nagar Road, Sama, Baroda ...

  1. 11-08-2011, 08:40 AM #1
    Unregistered Guest

    Default Complaint Against Bank for misleading and threatening

    Hi,

    Myself Mr Bhavnajbhi Muljibhai Patel resident of B-12, Akhand Dhara Avenue, Nr. Sama Village, Poonam Nagar Road, Sama, Baroda - 390008.

    I had availed a personal loan of Rs. 221000/- in Jan'2007 from ABN AMRO Bank - Baroda for 60 months. On regular payments the bank offered me for Credit Card facility with credit faciliy of Rs. 40000. Though we did not agree and accept the bank had sent us the card which is till date not even seperated from the letter received from the bank. Along with sending the card out of our knowledge bank had issued us a Insurance policy of Rs 300000/- from ICICI Lombard and had debitted the card by Rs. some Rs. 12667/-.

    We were in regular follow up with the bank reagarding closure of this as we had neither requested for a card or Insurance nor we have accepted the same.
    Earlier we did not get propoer response from the bank and every time we were asked to get in touch with the call centre where we did not get an ypositive response. In the mean time we started getting threatening calls from the collections agency that if we do not pay the money we will have to pay for it by other means.

    on 20.10.2007 we received a legal notice from Mr. Jitendra K Jha; Lawyer from Delhi which we replied through our lawyer Bharat Parikh on 14.03.2008 which was received on 18.03.2008 vide RPAD and post which we have not received any letter communication. But still we are getting calls from Delhi / Gurgaon and other locations for payments.

    Thouhg we have not used any credit card facility we are pressurized to pay money orelse are threatened for harrassing our family.

    We have fully paid the personal loan and receivd NDC for the same. But the bank has escalated our name in CIBIL. Due to his act of bank we are facing difficulty in getting loan. As we are into business we are in regular need of funds but now bnaks are backstepping for funding us due to this reason.

    We request you to please initiate instructions to close this case and issue NOC to us in this reagrds and remove out names from CIBIL.

    My Card Number is 5423 0517 171 8909.

    Please look into the matter and do the needful.

    Regards
    Bhavanjibhai Muljibhai Patel
    (m) +91 99998564914
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  2. 11-19-2011, 02:48 PM #2
    veritastheteam
    veritastheteam is offline Senior Member
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    Dear client,

    Your Credit Information Bureau (Cibil) credit information report(CIR), other than your income, is the single most important tool used by a lender to evaluate your application for any loan or credit card application. Naturally, it's important that you understand your CibilCIR and what it takes to maintain a credit history, so that it is viewed favourably by lenders.
    We providing assistance on behalf of the client to get CIBILreport.
    Please note we neither working on behalf of CIBIL nor any other government department.
    We are Independent financial advisor.
    Our services includes
    1. Assisting for applying CIBIL reports
    2. Helping for CIBIL report correction
    3. Assisting getting loans from nationalised or private banks or NBFCs
    4. Representing CIBIL issues and other matters to client's bank
    5. Fighting for getting NOC or NO DUE CERTIFICATE from banks on behalf of client after settling account
    6. Liasioning between Bank and Cleint to sort out the matter of credit cards or loans

    or more information please visit at https://www.cibil.com
    NOTE: CIBIL REPORT IS STRICTLY PRIVATE AND CONFIDENTIAL DOCUMENT NEVER DISCLOSE TO ANY ONE

    We are not providing any free services but advising professionally and result oriented.
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